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State Bank of India

NSI:SBIN · INE062A01020
BanksMedium

360

71
Medium confidence — indicative
Profit price74
Cash yield41
Price/Sales49
EV / Gross Profit77
Price/Book36
Returns on capital45
Profit margins—
Cash Conversion18
Accruals7
Owner Earnings Margin8
Sales growth10
Profit Growth98
Long-Term EPS Growth79
Reinvestment62
Price momentum59
Debt load16
Debt serviceability42
Liquidity31
Analyst ratings79
Opinion Changes47
Price Target Upside81
Market mood67
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

State Bank of India clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryIndia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNSEI
Founded1955
Employees36,842
Websitesbi.bank.in
ISININE062A01020
Last UpdateApr 2, 2026
Indices
BSE Sensex (India)CNX Nifty 50 (India)
Themes
Utility Scale SolarOnshore and Offshore WindBankingFinanceFinancial Services

Description

State Bank of India (SBI) provides banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally. Business Segments The business segments of the company sig…

Analysis

Quality compounder

State Bank of India earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.6×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -2% a year, against analyst forecasts of 15%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is fragile. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
34
2023202420252026

All-time high

67

May 2023

All-time low

7

Mar 2025

Average rank

39

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
55
67
55
Price/Earnings
54
52
57
46
Price/Book
36
35
41
38
Dividend Yield
41
32
30
34
Value (overall)
46
45
43
53

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →